If insurance feels like a guessing game, you’re not alone. The old model leaves businesses overpaying, underprotected, and always reacting. This is your path to take control, lowering your total cost of risk and driving measurable outcomes. To succeed in today’s environment, you need every advantage and a partner who puts your priorities first.
It’s not what got you into business, but it is what can keep you there. When risk is identified early and managed systematically, protection becomes precise and your business becomes harder to disrupt.
You’re not a number, and you don’t fit in a box. We start where others don’t by uncovering what’s distinct about your business, so your coverage reflects reality, not assumptions.
We clarify the forces behind your cost, what’s working for you and against you, so you can take smarter action and strengthen your position with insight, not guesswork.
Cost goes beyond premiums: claims, hidden exposures, and the risks you choose to carry. We move you from unaware to aware, improving your risk profile and reducing long-term cost.
Efficiency and innovation aren’t mutually exclusive. The right strategy saves time, surfaces the right solutions, and gets more value from what you already spend.
Coverage, cost, service, and strategy shouldn’t live in separate silos. We bring it all together in a way that’s aligned, proactive, and built to support your long-term goals.
Trust is built through action, not promises. You deserve a partner who follows through, stays steady in the storm, and leads with your best interest at the center of every decision.
RiskMAP™ was born from a simple truth: a well-defined problem is half-solved. But that’s not the industry norm. Why? Because doing it right takes more than good intentions. It takes disciplined focus to turn scattered inputs into clear, actionable insight. RiskMAP identifies what’s truly at risk through a client-first process: powered by people, backed by technology, and executed with the kind of precision other firms can’t scale.
Discovering what makes your organization unique is the most important step, and it’s never just a one-time conversation. RiskMAP begins with a systematic approach to identifying what you’re exposed to, beyond insurance, and adapts as your business evolves.
With a clear view of your risks and goals, we combine data, assessment results, technology, and institutional knowledge into targeted strategies. From there, we evaluate the strategic options that best reduce risk, improve alignment, and move you forward.
Act with confidence, because the work was done up front. This is where the broader risk management strategy goes into action. From mitigation efforts and safety initiatives to claims processes and accountability plans, every solution ties back to a specific risk, with clarity on how it moves the business forward.
No more flying blind. This ongoing stage delivers full visibility into what’s working and what needs to evolve, so you’re not reacting, you’re improving. Carrier advocacy, performance tracking, and proactive updates ensure your progress earns the recognition and results it deserves.
Business risks don’t come in neat categories, and neither should your solutions. Our in-house capabilities support your broader strategy with specialized guidance, deep technical understanding, and the ability to execute across industries and borders.
You can’t fix what you can’t see. Clear reporting, custom modeling, and benchmarking eliminate blind spots and drive confident decisions.
For the right organization, captives offer greater control, long-term stability, and cost efficiency—evaluated as part of a broader, aligned strategy.
Today’s threats demand more than coverage. A strong cyber strategy connects exposure clarity, contractual protection, and rapid response.
Cross-border exposure brings complexity. Multinational placements and local compliance require structure and precision across regions.
From target evaluation to post-close integration, we clarify risk positioning, surface red flags early, and protect portfolio performance.
A strong surety partnership enhances credit terms, expands bonding capacity, and stabilizes project risk across your pipeline.
Every business faces risk differently, even within the same industry. We work across a wide range of sectors, tailoring strategies to each organization’s unique challenges and goals.
This is more than a safety program. It’s a fully integrated approach to risk mitigation and business performance. McClone’s in-house team of safety advisors, analysts, and legal counsel connect the dots between risk, operations, and outcomes, because risk isn’t just a cost issue. It affects your people, culture, reputation, and your ability to perform at your best.
Start a Conversation → See If We're a Fit →On-site guidance, tailored training, MOD verification, and return-to-work programs help reduce injuries, control claims, and build a safety culture that goes beyond compliance.
In-house legal expertise reviews contracts to identify risk, clarify obligations, and ensure agreements align with your coverage and protect your interests.
Dedicated experts manage claims with precision, coordinate with carriers, support injured workers, and challenge delays or denials to protect your best interests.
You deserve a partner aligned with how you work and define success, because that’s how long-term impact is made. Here’s how to know if we’re likely to work well together.
Are only focused on getting the lowest quote, regardless of coverage or impact
Prefer a hands-off relationship and don’t want visibility into how decisions get made
Believe protecting your business and people begins and ends with insurance
Aren’t interested in a more transparent, proactive, or strategic approach
Want confidence that you have the right coverage and clarity on what else is worth considering
Care about long-term cost and want to understand what’s actually driving it
See risk as something that can be improved, not just transferred to a policy
Expect your broker to create value, simplify the process, and challenge the status quo
If you're feeling skeptical, we get it. The old model hasn’t always delivered on its promises. That’s why we offer a no-pressure way to experience the McClone Model firsthand. We both invest time to explore alignment, because strong partnerships start with mutual clarity, not blind faith.
We start with a conversation. We ask questions to understand your structure, risks, and goals, so we can align on what matters most to your organization.
If it makes sense to go further, we focus on a priority area and bring in the right experts to show how we approach problems and think differently.
We share what we found: what’s working, what’s not, and where there's room to improve. If it’s a fit, we plan next steps. If not, you still gain clarity.
Most of our conversations start with curiosity and questions like these. They’re the ones we hear most from clients who are ready for a better way to approach business insurance.
Most businesses don’t, and that’s the problem. We start by aligning coverage with how your organization actually operates, then uncover gaps, overlaps, or opportunities that others might miss.
Rising premiums don’t always reflect your risk, they often reflect poor positioning. We show you the levers that impact cost and how to take back control, not just wait on market shifts.
That depends on your risk tolerance, contracts, growth goals, and exposures. We help you understand the “why” behind every recommendation, so you're not just covered, you're confident.
Yes. When strategy leads, results follow. That might mean lower premiums, but it also means fewer claims, smarter structures, and stronger carrier relationships.
At least annually, but really every time your business changes. Growth, hiring, expansion, new assets—all of these should trigger a closer look. We build that responsiveness into our plan from day one.
We get asked this all the time, and honestly, if you're here, click around the site and you’ll start to see why… but if you really want to know, let’s talk, because the best way to understand our difference is to experience it firsthand.
Knowledge is power and better outcomes start with better insight. These resources are designed to help you make confident decisions about risk, coverage, and what’s ahead.